Updated September 29, 2026 · BrokerCue Editorial Team
WH SelfInvest vs XTB
WH SelfInvest vs XTB: the differences
| Compare |  WH SelfInvest |  XTB |
|---|---|---|
| Stock trade fee | $1.90 | €0 |
| Inactivity fee | €0Lower | €10 |
| Markets | Stocks, ETFs, Forex, CFDs, Options, Futures, Bonds | Stocks, ETFs, Forex, CFDs, Crypto |
| Retail accounts that lose money | 76% | 77% |
| Platforms | NanoTrader, TradingView, Trader Workstation, Mobile Apps | XStation 5, XStation Mobile |
| Minimum deposit | Not confirmed | €0 |
| Regulators | Not confirmed | Cyprus Securities and Exchange Commission (CySEC), FCA, KNF |
| Investor protection | Not confirmed | EU ICS up to EUR 20,000 |
| Currency conversion fee | Not confirmed | 0.5% |
| Deposit and withdrawal fees | Not confirmed | Free deposits; free withdrawals above 100 EUR/USD |
| Maximum retail leverage | Not confirmed | 1:30 |
Same on both: Account fee (€0).
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Key differences
- Inactivity fee is lower at WH SelfInvest: €0 vs €10.
- Markets: only WH SelfInvest offers Options, Futures, Bonds.
- Markets: only XTB offers Crypto.
- Platforms: only WH SelfInvest offers NanoTrader, TradingView, Trader Workstation.
- Platforms: only XTB offers XStation 5, XStation Mobile.
- Support channels: only XTB offers Chat.
- Features: only WH SelfInvest offers Fractional shares, Copy trading.
- Features: only XTB offers Crypto.
Our verdict on each
WH SelfInvest
WH SelfInvest sits in Luxembourg and covers stocks, ETFs, forex, CFDs, options, futures and bonds under an account fee of €0 and an inactivity fee of €0, which suits investors who want many asset classes without a standing charge. Stock dealing is the cost to watch, at $1.90 a trade.
XTB
XTB suits retail traders who want to hold stocks, ETFs, forex, CFDs and crypto under one Cyprus-based account without a monthly charge. The account fee is €0, deposits cost nothing, and CySEC, FCA and KNF authorisations sit behind a legal entity founded in 2002.
Score breakdown
| Area | WH SelfInvest | XTB |
|---|---|---|
| Cost | 9.1The standing fees are flat, at €0 and €0, while the dealing charge of $1.90 a trade pulls the score down. | 9.1 |
| Offer | 9.5Higher | 9.3 |
| Trust | Not confirmed | 9.6 |
Feature by feature
| Markets | WH SelfInvest | XTB |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Forex | Yes | Yes |
| CFDs | Yes | Yes |
| Options | Yes | No |
| Futures | Yes | No |
| Crypto | No | Yes |
| Bonds | Yes | No |
How they place
| Ranking | WH SelfInvest | XTB |
|---|---|---|
| Stock and ETF brokers | 86 of 471 | 3 of 471 |
| Forex brokers | 37 of 147 | 2 of 147 |
| Low-spread forex brokers | 35 of 145 | 2 of 145 |
| CFD brokers | 29 of 122 | 2 of 122 |
Availability and regulation
| Country | WH SelfInvest | XTB |
|---|---|---|
| Cyprus | Not confirmed | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 259400HM2TR4U3LF5D43 |
| Poland | Not confirmed | |
| United Kingdom | Not confirmed |
Every fact side by side
| Fact | WH SelfInvest | XTB |
|---|---|---|
| Features | Demo account, Fractional shares, Copy trading, Mobile app | Demo account, Mobile app, Crypto |
| Pricing model | Not confirmed | Commission free, Low fees |
| Audience | Not confirmed | Beginners |
| Legal entity | Not confirmed | XTB Limited |
| Headquarters | Luxembourg | Cyprus |
| Founded | Not confirmed | 2002 |
| Support channels | Email, Phone | Email, Chat, PhoneCovers more |
Where each stands against the rest
| Fact | WH SelfInvest | XTB | Median |
|---|---|---|---|
| Minimum deposit | Not confirmed | €0below the median | €1 |
| Account fee | €0at the median | €0at the median | €0 |
| Inactivity fee | €0below the median | €10above the median | €2.45 |
| Retail accounts that lose money | 76%highest quarter | 77%highest quarter | 72.05% |
| Currency conversion fee | Not confirmed | 0.5%above the median | 0.45% |
Median across 52 listed brokers.
Pros and cons
WH SelfInvest
Pros
- The account fee is €0 and the inactivity fee is €0, so an account left open or left idle is not billed, and the standing cost sits level with Vantage at $0.
- A single account covers stocks, etfs and forex, so shares, forex, CFDs, options, futures and bonds can be held and traded together.
- The platform choice runs from NanoTrader, TradingView and Trader Workstation, so the same account can be worked from a desktop terminal or from mobile apps.
Cons
- Stock dealing costs $1.90 a trade, where eToro charges $0 for its stock dealing.
- That dealing charge ranks 123 of 161 on our data, while the account fee sits at 1 of 138 and inactivity at 1 of 56, so the standing costs lead the table while dealing sits near the back of it.
- Support runs on email and phone, so a live chat window and a help centre are not part of the contact options.
XTB
Pros
- Account fee of €0 on the standard account, and stock trades cost €0.
- Minimum deposit of €0, so the account opens without a funding floor.
- Regulated by CySEC, the FCA and KNF across Cyprus, the UK and Poland.
Cons
- An inactivity fee of €10 applies, unlike eToro, which has no such charge.
- Forex and CFD trading is not cost free: fx trading costs 0.5%.
- CFDs carry a high proportion of losing retail accounts, and XTB's own figure is 77%.
Who each suits
WH SelfInvest
Who it suits
- Investors who want shares and leveraged products side by side, since stocks, etfs and forex puts forex, CFDs, options, futures and bonds in the same account.
- People who split activity between a desktop terminal and mobile apps, since NanoTrader, TradingView and Trader Workstation covers both.
- Traders who want to test before committing, since demo account, fractional shares and copy trading includes a demo account and fractional shares.
Who should look elsewhere
- Anyone who mainly wants cheap stock dealing: eToro charges $0 for stock dealing against $1.90 here.
- Crypto traders, since crypto is missing from stocks, etfs and forex although CFI covers stocks, etfs and forex.
XTB
Who it suits
- Retail traders in the UK and Europe who want stocks, ETFs, forex, CFDs and crypto in one account
- Beginners who want a demo account and a mobile app before committing money
- Cost conscious traders who will not hold a balance large enough to trigger the inactivity fee
Who should look elsewhere
- Vantage, if a small minimum deposit of $5 suits a smaller starting balance better
- CFI, for traders who want forex and CFDs without paying an fx charge of 0.5%
- Anyone who plans to hold an idle balance for a long period, given the inactivity fee of €10
Questions about each
WH SelfInvest
Does WH SelfInvest charge an account fee?+
The account fee is €0 and the inactivity fee is €0, so there is nothing to pay for holding the account open and nothing for leaving it idle. That is why the brand ranks 1 of 138 on our data for the account fee and 1 of 56 for inactivity.
What does it cost to buy a stock?+
A stock trade costs $1.90, and that is the charge which scales with how often you trade. It ranks 123 of 161 on our data, so anyone dealing in shares regularly will feel it far more than the flat fees. Multiply it by the number of trades you expect.
XTB
What does XTB charge to open and hold an account?+
The account fee is €0, so there is no monthly or annual cost to keeping the account open. A stock trade costs €0 on the same account. The only recurring charge to watch is an inactivity fee of €10 for traders whose balance sits idle.
Is there a minimum deposit at XTB?+
The minimum deposit is €0, which means the account can be opened and funded with a small amount. It is a lower floor than the $5 asked by Vantage, so it suits a trader testing the platform before scaling up.
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